About 10 months ago I took some really great recommendations from this board and simplified and reallocated my retirement savings. I got my 2017 TSP statement in the mail this weekend and kept trying to figure out if their printer colors were off or something because it showed a huge chunk of chang...

My wife and I are taking our 3 daughters (6, 10, 14) to Wildwood Crest 7/1 - 7/8. We've been there before, as well as Ocean City and Long Beach Island. We've always had a good time and the kids love it. We booked a condo through VRBO, with total cost being about $3,700 for 7 nights (this includes t...

get her money away from ML first.
her life expectancy isnt much more than 10 years, so 48k/yr is definitely too much but of course you say shes not spending it all, and SS is helping.
move it all to vanguard. pick TDF income or LS Conserv and move on.

Hello - I keep hearing people say that they are "in cash", as opposed to being "in the market". "In cash" like how?
A checking account, or a money market fund? Under their mattress, or in a coffee can buried in the back yard?
Thanks

Hello All, Can an investor rest assured that Vanguard in 2060 will be the same Vanguard we know today? The reason I ask is because I'm planning on moving all my money to a target retirement fund and just leaving it until about 2060. My concern is that Vanguard could change the way it operates or ma...

My husband and I, ages 56 and 57, have always contributed and maxed out to a before-tax 401k. Due to lay-offs we are now making less, our income will is about $165,000 before any deductions. I was wondering does it now make sense to contribute to a Roth 401K because we are in a the 22% tax bracket?...

Do you pay attention to "how" they take your BP? There was a relatively recent study (cited here on BH unless the thread was removed b/c of 'medical' topics) about how almost no med students (I think that was the group) took BP properly. There is a list of things to attend to that would take more t...

A lot of Bogleheads have considerable taxable accounts. If you are saving up to buy a large purchase (in excess of say $20,000), what might that item be? Around my neighborhood I see a lot of folks have boats and recreational vehicles. I suspect most are paying monthly on them though. At my megacor...

You can buy a highly rated bond at about 3% and see no price fluctuation if held to maturity and if you go shorter duration, your purchasing power won’t be eaten up as quickly. Some bonds in that range include a 10 year treasury, a 5 year corporate at Aa/AA or a 3 year corporate at an A rating. I d...

If your spouse has a match, that must be placed in a traditional 401k account, even if she makes 100% of her contributions to the Roth 401k. So she will always have funds in both types of accounts. If you are converting the small amount already contributed to traditional in an attempt to have only ...

I find it troubling that you present no plan of action for your financial future and are currently unemployed and living with your parents. I would not presume to offer advice about bankruptcy without knowing more details about your situation, plans, and expectations.

Many people worry whether a 4% SWR will work in the future. Complicated attempts have been made to calculate a new SWR. Mainstream strategies use a total return approach and will liquidate a share of principal each year to meet the SWR payment. The assumption is that the assets will grow back. What...